Thursday 28 July 2016

Link Your Aadhaar with Banks


We are pleased to announce that Government of India has allowed the "Digital Sewa Kender" operating at Samadhan Kender with CSC:ID:PB152901026 to link Aadhaar Cards of all Indian citizens to Link with Bank accounts of the following Banks in or around Rajpura:

  1. Punjab National Bank
  2. Union Bank of India
  3. Central Bank of India
  4. Vijaya Bank
  5. Andhra Bank
  6. Axis Bank
  7. Indusind Bank
In addition to Aadhaar seeding/linking with Banks, you can also get it linked with your Voter ID, PAN Card, Insurance Policies, Universal Account Number for PF subscribers at Samadhan Kender.

Aadhaar  seeding  is  a  process  by  which Aadhaar  numbers of  residents  are  included  in  the  service  delivery  database  of  service  providers.  ( In this case the service provider is Bank ) for  enabling de-duplication  of  database  and Aadhaar - based authentication during service delivery.

The objective of de- duplication is not to replace the currently used  unique  identifier of  the  customers/residents/beneficiaries with  Aadhaar, but to clean  up the  databases  for  any  ghosts/duplicate/wrong  entries  and seamlessly  enable  Aadhaar  authentication without impacting any other interface that the service providers maintain with their customers.

Further,  as  Aadhaar  number  is  unique  and  does  not  change over  the  lifecycle  of  an  individual,  the 12-digit  Aadhaar  number  is  sufficient  enough  to  transfer  any  payments  to  an  individual.  Today,  in order  to  transfer  money  to  a  beneficiary,  the  Government/  Institution  needs  to  know  the  bank account,  IFSC  Code,  and bank  branch  details  etc.

Aadhaar offers the  possibility of sending government payments by using just the 12- digit Aadhaar number  for  life, which makes government  payments agnostic  to any  changes  in  the  bank Account of the individuals, hence reducing the administrative burden.

CSC SPV is registered as Authorized Service Agency (ASA) and Authorized User Agency (AUA) with UIDAI for e- KYC related activities. 

CSC Aadhaar seeding platform is a neutral platform and it has the following propositions for Aadhaar seeding with Bank accounts:
  • Multiple touch points, These centres will be additional points for Aadhaar seeding.
  • All Common Services Centres (CSCs) capable of handling Aadhaar Seeding as they are offering various services using EKYC.
  • We have all the three options on our EKYC platform - IRIS / FINGER PRINT / OTP.
  • Application has functionality of taking online consent from the customer for Aadhaar seeding.
Please check if you have linked your Aadhaar ID to avail the following services:
Aadhaar ID is Linked to 
Nature of Facilities/Services available to individuals who have linked their Aadhaar IDs  
The income tax department allows residents to e-verify income tax returns using Aadhaar, eliminating the need to send a physical signed income tax return form to the central processing center. All that the user needs to do is link his/her Aadhaar number to their respective e-filing account. Once this is done, the Aadhaar number will be linked to their PAN after validation through a one-time password
BANK Accounts and Insurance Accounts 
Insurance products will soon be available on the digital platform through e-commerce websites, according to the recent draft by the Insurance regulatory and Development Authority of India (IRDA). e-KYC can be done using e-adhaar or by National Securities Depository Ltd (NSDL) using the e-PAN facility. The draft talks about a mandatory e-insurance account that individuals have to maintain for online purchase of a product. Similarly e-KYC of Bank Accounts has been made compulsory which is possible only through linking bank accounts with Aadhaar ID to receive financial benefits, subsidies like LPG subsidy and scholarships.
Social Security like NPS
eNPS enables a subscriber to open an account with the National Pension System (NPS) sitting at home. All he needs is an internet connection and an Aadhaar or Permanent Account Number (PAN) card. This facility is now available for non-resident Indians (NRIs) as well. The Central government has already made Aadhaar card compulsory for all Central government pensioners, encouraging them to seed their bank accounts with Aadhaar card numbers
Driving Licenses and RC of Vehicles
Having an Aadhaar card is mandatory for all road transport authority transactions in many states like Andhra Pradesh and Telangana for vehicle registration certificates, learning licence, permanent driving licence and change of ownership of the vehicles so as to curb increasing malpractices in the registration of vehicles, issuance of driving licences and irregularities committed by vehicle owners. The card has also been linked to financial institutions for getting and releasing loans. All other states are likely to follow suit so as to make the e-Governance, a reality in India.
Free Digi Locker of GOI
One of the key initiatives under the Digital India Programme, DigiLocker is aimed at minimizing the usage of physical documents and enabling sharing of e-documents across agencies. Aadhaar details need to be updated by citizens, after creation of the account, to avail of additional services. Residents can also upload their electronic documents and digitally sign them using the e-sign facility. These digitally signed documents can be shared with government organizations or other entities
It has been made mandatory for all school and college students to have Aadhaar cards. In case any student wants to get a scholarship or fellowship from either the state government or the University Grant Commission (UGC), then she must possess the Aadhaar card issued by the UIDAI
Property Transactions
In near future the property transactions will become cashless, paperless and even presence-less throughout India to weed out corruption in the realty sector. Maharashtra is the first state to implement cashless, paperless and even presence-less transactions in realty sector. Now a homeowner renting out a property in Mumbai can go to, fill in his bank account, Aadhaar and bio-metric details (fingerprint, iris recognition etc.) along with digital signatures and property documents. The tenant along with the sub-registrar and the witness can also do the same, not necessarily at the same point of time. The fees will be paid electronically; all documents will be stored in the Aadhaar-operated digital locker which eliminates the need of physical presence in Mumbai

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